Reply
Established Member
Maverick79
Posts: 21
Registered: ‎03-05-2011

What CR does Discover pull?

I finally received a pre-approval letter from discover after more than 7yrs of rebuilding my credit after a BK. I've been wanting a Discover for a while and want to apply, but hesistant because I'm currently waiting for a dispute with EQ to finalize and have a baddie removed which should not be there. It dropped my score from 714 to 677 on my EQ score. I was so upset when it showed up this month out of the blue when it is false info. TU and EX are both above 700. Anyway, would just like to know what Discover pulled for people on here. I am aware that it could be different depending on the area you live in so anyone in oregon would be very helpful.


Starting Score: EX (Plus) 727, TU 678, EQ 696
Current Score: EX (Plus) 740, TU 707, EQ 702
Goal Score: 720+


Take the FICO Fitness Challenge
Community Leader
Valued Contributor
HoldingOntoHope
Posts: 1,057
Registered: ‎09-29-2009

What CR does Discover pull?

For myself and all I can remember reading here Discover pulls TU.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


Take the FICO Fitness Challenge

Frequent Contributor
CreditMuppet
Posts: 307
Registered: ‎08-05-2011

lled Re: What CR does Discover pull?

Pulled TU for me last week in PA.  Good Luck!


Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008

Re: lled Re: What CR does Discover pull?

Pulled EQ for me in CA all 4 times I applied.
Frequent Contributor
suzook1
Posts: 290
Registered: ‎08-29-2011

Re: lled Re: What CR does Discover pull?

TU for me

Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008

Re: lled Re: What CR does Discover pull?

TU for me in Georgia.  TU also for CLI.


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
New Contributor
MakeItAMudLight
Posts: 72
Registered: ‎05-31-2011

Re: lled Re: What CR does Discover pull?

They pulled EQ then TU here in Tennessee.

Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011

Re: lled Re: What CR does Discover pull?

I haven't had a Discover card for awhile but, when I did, Equifax is the only CRA that ever reported anything, and, in fact, it is STILL reporting years and years after the fact.  Oh BTW, I'm in California.



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Established Contributor
andre181
Posts: 624
Registered: ‎07-29-2010

Re: What CR does Discover pull?

They pulled EX for me when I applied, but they pull TU when I ask for a CLI

Discover IT $24K | FNBO Visa $20K | Citi Forward $12.5K | US Bank Cash+ Visa Sig $10K | Priceline/Barclays $10K | Amazon/Chase Visa Sig $8.3k | Citi ThankYou Preferred $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Established Member
Maverick79
Posts: 21
Registered: ‎03-05-2011

Re: What CR does Discover pull?

Thanks for all your replies...seems that here on the west coast they pull EQ, it's funny how it changes based on your geographical location...or could it be that it is just a random draw on which CR they pull. Guess the best thing for me to do is just wait for the dispute to be resolved with EQ before applying...The pre-approval expires on the 30th and the dispute is estimated to be resolved by the 26th so hopefully it does not take the full 45days, otherwise I'm out of luck.


Starting Score: EX (Plus) 727, TU 678, EQ 696
Current Score: EX (Plus) 740, TU 707, EQ 702
Goal Score: 720+


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+